Check out this AWESOME free prototyping tool. Pencil Project. (It’s a Firefox Plugin / XUL Application)
It let’s you mock up fully functional websites without writing any html code. Then, you can export it as html, and use it as a starting point for a better mockup. Or export all the pages to png’s in one shot, and use those as a starting point in Adobe Illustrator, or your design tool of choice.
It’s great for useability testing. Mockup your ideas. Put them in front of customers / users, re-prototype, and continue until you get it as good as possible, and meeting your cash cow customers’ needs. THEN make it look good.